Average USDC lending rates
Showing the average APRs over historical periods for USDC on Aave V3 Ethereum.
| Rate | 1d | 7d | 30d | 6m | 1y |
|---|---|---|---|---|---|
| Average Supply APR | 1.84% | 1.72% | 2.04% | 3.45% | 3.57% |
| Average Borrow APR | 2.98% | 2.88% | 3.42% | 4.81% | 4.95% |
Daily snapshots
Showing daily snapshots (midnight UTC) for USDC on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 15, 2026 | 3.54B | 1.94% | 2.49B | 3.06% |
| Mar 14, 2026 | 3.54B | 1.94% | 2.49B | 3.06% |
| Mar 13, 2026 | 3.63B | 1.87% | 2.51B | 3.00% |
| Mar 12, 2026 | 3.56B | 1.80% | 2.42B | 2.95% |
| Mar 11, 2026 | 3.52B | 1.84% | 2.42B | 2.98% |
| Mar 10, 2026 | 3.54B | 1.78% | 2.39B | 2.93% |
| Mar 09, 2026 | 3.59B | 1.69% | 2.36B | 2.86% |
Monthly snapshots
Showing monthly snapshots (first day of month, midnight UTC) for USDC on Aave V3 Ethereum.
|
Date
|
Supplied
|
Supply APR
|
Borrowed
|
Borrow APR
|
|---|---|---|---|---|
| Mar 01, 2026 | 3.72B | 2.10% | 2.44B | 3.56% |
| Feb 01, 2026 | 4.05B | 3.99% | 3.66B | 4.91% |
| Jan 01, 2026 | 4.73B | 3.43% | 3.78B | 4.77% |
| Dec 01, 2025 | 4.62B | 3.44% | 3.69B | 4.78% |
| Nov 01, 2025 | 5.34B | 3.60% | 4.18B | 5.11% |
| Oct 01, 2025 | 5.60B | 3.97% | 4.42B | 5.58% |
| Sep 01, 2025 | 6.14B | 4.01% | 4.87B | 5.61% |
| Aug 01, 2025 | 3.97B | 4.23% | 3.51B | 5.30% |
| Jul 01, 2025 | 2.87B | 3.73% | 2.39B | 4.98% |
| Jun 01, 2025 | 2.49B | 3.87% | 2.11B | 5.07% |
| May 01, 2025 | 2.43B | 2.80% | 1.68B | 4.51% |
| Apr 01, 2025 | 2.74B | 2.95% | 1.95B | 4.62% |
Liquidity impact
Using the interest rate model to simulate the market rates in the event of a deposit, borrow, repayment or withdrawal (incentives not included).
Showing the immediate impact of deposit events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the deposit (change from current)
|
Borrow APR
Borrow APR after the deposit (change from current)
|
Utilization
Utilization after the deposit
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after deposit (circle)
|
|---|---|---|---|---|
| current | 1.83% | 2.97% | 68.35% | |
| $100.0M deposit | 1.73% (-0.10%) | 2.89% (-0.08%) | 66.52% | |
| $250.0M deposit | 1.60% (-0.23%) | 2.78% (-0.19%) | 63.95% | |
| $500.0M deposit | 1.41% (-0.42%) | 2.61% (-0.36%) | 60.09% | |
| $1.00B deposit | 1.12% (-0.70%) | 2.33% (-0.64%) | 53.61% |
Showing the immediate impact of borrow events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the borrow (change from current)
|
Borrow APR
Borrow APR after the borrow (change from current)
|
Utilization
Utilization after the borrow
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after borrow (circle)
|
|---|---|---|---|---|
| current | 1.83% | 2.97% | 68.35% | |
| $100.0M borrow | 1.98% (+0.15%) | 3.09% (+0.12%) | 71.09% | |
| $250.0M borrow | 2.21% (+0.39%) | 3.27% (+0.30%) | 75.22% | |
| $500.0M borrow | 2.64% (+0.81%) | 3.57% (+0.60%) | 82.09% | |
| $1.00B borrow | 7.58% (+5.75%) | 8.79% (+5.82%) | 95.83% |
Showing the immediate impact of repayment events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the repayment (change from current)
|
Borrow APR
Borrow APR after the repayment (change from current)
|
Utilization
Utilization after the repayment
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after repayment (circle)
|
|---|---|---|---|---|
| current | 1.83% | 2.97% | 68.35% | |
| $100.0M repayment | 1.68% (-0.14%) | 2.85% (-0.12%) | 65.60% | |
| $250.0M repayment | 1.48% (-0.35%) | 2.67% (-0.30%) | 61.47% | |
| $500.0M repayment | 1.17% (-0.66%) | 2.37% (-0.60%) | 54.60% | |
| $1.00B repayment | 0.65% (-1.17%) | 1.78% (-1.20%) | 40.86% |
Showing the immediate impact of withdrawal events for USDC on Aave V3 Ethereum.
| Action |
Supply APR
Supply APR after the withdrawal (change from current)
|
Borrow APR
Borrow APR after the withdrawal (change from current)
|
Utilization
Utilization after the withdrawal
|
Model
Interest rate curve showing the optimal utilization kink (92%) and the utilization after withdrawal (circle)
|
|---|---|---|---|---|
| current | 1.83% | 2.97% | 68.35% | |
| $100.0M withdrawal | 1.93% (+0.10%) | 3.06% (+0.08%) | 70.28% | |
| $250.0M withdrawal | 2.11% (+0.28%) | 3.19% (+0.22%) | 73.39% | |
| $500.0M withdrawal | 2.46% (+0.63%) | 3.44% (+0.47%) | 79.23% | |
| $1.00B withdrawal | 5.78% (+3.95%) | 6.81% (+3.84%) | 94.25% |